FREQUENTLY ASKED QUESTIONS FOR ONLINE PAYMENT FOR SAIFEE HOSPITAL TRUST (PATIENTS)

1. What is Verified by Visa [VBV]/ MasterCard Secure Code [MSC]?
Verified by Visa [VBV] is a service from VISA that lets you do online transactions securely with your existing Visa Debit/Credit card. It confirms your identity through a simple additional authentication process when you transact online. It also reassures you of the authenticity of the message and the online store through a personal assurance message (PAM) stored at the Bank.

MasterCard SecureCode is a service from MasterCard that lets you do online transactions securely with your existing MasterCard Debit/Credit card. Your SecureCode enhances your existing MasterCard account by protecting you against unauthorized use of your card when transacting online at with the help of a personal message known only to you and your bank.

VBV / MSC services are free to cardholders and were developed to help prevent unauthorized use of cards online.

2. What are the benefits of VBV/MSC?
VBV / MSC provides added assurance by authenticating you while using your Bank Visa/MasterCard to make payments online. You can be comfortable that any online merchant giving VBV / MSC service is a legitimate commercial entity. A private code means added protection against unauthorized use of your credit or debit card when you make payments online.

VBV / MSC protects your existing Visa / Master card with a password you create, giving you assurance that you and only you can use your Visa / Master card for electronic payments. The added protection of Verified by Visa/ MasterCard SecureCode is available as soon as your Bank confirms that your registration is successful.

Simply activate your card and create your personal password. You’ll get the added confidence that your Visa / Master card is safe when you make electronic payments.

3. How does VBV/ MSC work?
Once your card is activated with the Verified by Visa / Master Secure service, your card number will be recognized whenever you make an electronic payment. After you provide your credit card details online, you will be redirected to your issuer website and then required to specify your Verified by Visa / Master Secure authentication details. Your identity will be verified, and the transaction will be completed. Based on the authentication provided by your issuer, the transaction will be processed & you will get a confirmation.

In the event your card is not activated for the service, during checkout at participating online payment facilities, you may encounter a message offering the opportunity to activate Verified by Visa / Master Secure Code on your card.

4. How do I register for VBV/ MSC? Can I register for VBV/ MSC online?
Registration for VBV /MSC is done online. On logging in to your issuer website, you will be required to provide your credit / debit card number and the card expiry date. You may also be required to provide some other personal details like Date of Birth or ATM Card Number depending upon the issuing bank.

You can then create your own unique password which will be used for authenticating you when you make payments online. You can contact your issuer to find out more on how to register your Visa / Master card for this service.

HDFC Bank Cardholder can log on to:   http://www.hdfcbank.com/campaign/visa/visa.htm

HSBC Card Holder can log on to:   http://www.hsbc.co.in/in/personal/cards/securepay/securepay.htm

ICICI Bank Customer can log on to:   https://www.3dsecure.icicibank.com/ACSWeb/EnrollWeb/ICICIBank/main/

SBI Card Holder can log on to:   https://cardsecurity.enstage.com/ACSWeb/EnrollWeb/SBI/main/index.jsp

It is also possible that:
Your Visa/ Master card issuer does not currently participate in the Verified by Visa / Master Secure program; or
Your Visa / Master card range is not associated with the Verified by Visa / Master Secure program [check with your Visa / Master card issuer];

Currently, VBV / MSC is only offered to protect Visa / Mastercard. You can contact your card issuer to see whether they offer something similar for other payment brands.

5. What is the Password or SecureCode?
When you register for either Verified by VISA or MasterCard® SecureCodeTM, you will be asked to create a password or SecureCode respectively. You are requested to enter your password / SecureCode each time when you make an online purchase. For security reason, please do not use your names, birthdays, ATM/Phonebanking/Personal Internet Banking PIN and/or User ID as your password/SecureCode. Memorise your password. Never write it down or reveal it to anyone.

6. Which cards can I register for VBV/ MSC?
You can register any existing or new Visa / Master card to be protected by Verified by Visa / Master Secure code as long as your card issuer offers this service. You can register all of your Visa / Master cards as long as your card issuer offers VBV /MSC service.

7. What is a Personal Assurance Message or Personal Message?
When you register for Verified by Visa/Master Secure code, your issuer may ask you to create a Personal Assurance Message or Personal Message. When you pay online, always look for this Personal Assurance Message or Personal Message – it is your assurance that it is your card issuer that is authenticating you. The Personal Assurance Message is created by you during the activation process, and will be displayed back to you when you are prompted for your password during VBV / MSC Service password verification at checkout. The Personal Assurance Message was designed to reduce the risk of fraudulent merchants presenting false credentials to unknowing Internet users in order to gain access to personal financial information. So when the VBV / MSC Service password window prompt includes your Personal Assurance Message, that gives you more assurance that it is actually your card issuing Bank VBV / MSC Service asking you for your password, and not someone else masquerading as your Bank VBV / MSC Service.

8. What if I forget my VBV/ MSC password? Can I change my VBV/ MSC password?
If you forget your password, you should contact your card issuer customer service to re-set your password. If you suspect someone has stolen your password or used it to make online payments, Contact your card issuer immediately. You can change your password at any time. You may reset your password (create a new password) after entering your credit card number, and card expiry and other personal details that may be requested. Generally, Passwords should contain eight alpha numeric letters and/or numbers (with no spaces or symbols in between), and must be different from your User ID and your old password. Please note that passwords are case sensitive.

9. Can I use the service even if I have not registered my card for VBV/ MSC?
At online facilities that are not yet participating in Verified by Visa/ Master Secure code service, your Visa / Master card will continue to work as usual.
Saifee Hospital now participates in the VBV/ MSC program. This implies that credit card/ debit card transactions that you make through http://www.saifeehospital.com require an additional authentication through a password known only to the card holder. This broadly works as follows:

a. Issuing bank is registered for VBV/MSC and customer has not registered his/ her card for VBV/ MSC:
You will be prompted for online registration for VBV / MSC through a pop up screen. You would need to authenticate yourself with your Credit/Debit Card number, ATM PIN and Card expiry details. You can choose your password to be used for VBV / MSC. Thereafter, you can continue shopping on the merchant website. If you decide not to register immediately you can cancel the pop up screen.

b. Issuing bank is registered for VBV/MSC and customer has registered his/her card for VBV/ MSC
Once your card is activated with the Verified by Visa / Master Secure service, your card number will be recognized whenever you make an online electronic payment. After you provide your credit card details online, you will be redirected to your issuer website and then required to specify your Verified by Visa / Master Secure authentication details. Your identity will be verified, and the transaction will be completed. Based on the authentication provided by your issuer, the transaction will be processed & you will get a confirmation.

c. Issuing bank is not registered for VBV/MSC:
When your issuing bank is not participating in VBV / MSC service, your card will not be accepted for an online payment.


10. Is my personal information safe and secure?
Yes. You issuer bank transmits your information using a high level of encryption and it is stored on a secure server.

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